Auto Repair Shop Insurance -Workers Compensation, Liability, & Property
Do you own or manage an auto repair shop in California? If so, we can help. We provide liability, property, and workers compensation insurance for auto repair shops across California. Our agents have access to A Rated carries who specialize in repair-shops and garage insurance policies.
Call 877-428-8778 for a free no obligation quote on your repair shop or garage!
What Type of Insurance Does an Auto Repair Shop or Garage Need?
General liability insurance for repair shops is one of the most basic coverage options you should have as a business owner. It can provide coverage for bodily injury or damage your business causes to someone else.
Garage keepers liability can provide coverage for damage or bodily injury resulting from garage operations. A customer could drive off with an improper repair that causes damage to their vehicle or even injury to someone else. Repair shops have been sued for millions having dealt with incidents like these.
Every auto repair shop in California is required by law to carry workers compensation insurance once they hire their fist employee. Workers compensation can provide coverage for medical bills and loss of income an employed mechanic incurs after an accident that happiness on the job. Employed mechanics often suffer burns, slip and falls, and chemical exposures from the daily operations and repairs in a garage.
Building property coverage can cover the structure you operate in. Even if you’re leasing you’ll want to make sure any upgrades and alterations are covered. Auto lifts and custom building layouts could cost thousands of dollars to rebuild after a loss. Most policies give you the option to add coverage for upgrades and alteration done at a minimal premium.
Auto repair shops and mechanics use high end welders, compressors, and diagnostic tools that could easily cost hundreds of thousands to replace in the even they are stolen or destroyed. Business personal property coverage can provide repair shops with coverage for their equipment (including furniture) in the event of a loss.
Garage keepers liability is a necessity when a clients vehicle in your companies care, custody, and control. A vehicle could be accidentally damaged by an employee or stolen overnight. Most mechanic insurance policies include this coverage based on the value and amount of vehicles your shop services at any one time.
These are only a few coverage options our agents can make available to you. Your agent can evaluate your needs and help you find a plan that works with your budget and needs.